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An online movement is raising awareness about the discrimination some high school students face at private and prep schools.One of many social media pages highlighting the issue is Black at Lovett. The organizers are two alumni who have taken submissions from students, parents and faculty, and share their experiences at the The Lovett School anonymously. Some of the stories go back decades.“I guess one of the things that was kind of surprising, but also we all knew what was going on, was that we all shared a lot of the same stories and a lot of the same experiences with the same students, the same administrators, the same teachers,” said Allison Burns, co-creator of Black at Lovett.The alumni have worked together using experiences from their current jobs to offer policy recommendations to Atlanta school and the community.“We want to make this better for future black students who attend this school, and that's the driving force behind this and why we want this to be an effort of love, a labor of love in some ways,” said Ashley Jeffrey, co-creator of Black at Lovett.Another page, True Colors of Columbia, highlights stories from Columbia Grammar & Preparatory School in New York. The co-creators just graduated and echo what they say needs to be done to help the next generation at these institutions.“How many more discussions with the administration, petitions, and emails and meetings do we need to have until kids aren't being told that they're going to be lynched?” asked Lauren Gloster, co-creator of True Colors of Columbia.While grateful for the education, the girls say they've felt the need to step in to help peers better understand racial differences. They're also worried current students might not speak up for fear of losing scholarships.“We all felt very compelled to not only create a safe platform where students like us could share their experiences and their stories but could also feel a sense of unity and community as well,” said Imani Camara, co-creator of True Colors of Columbia.We reached out to both schools.Lovett sent us a statement saying they don't want anyone to feel silenced due to their identity. They're taking part in the dialogue and will use recommendations from a committee for the upcoming school year. Read their statement below: 2299

As federal government aid begins to wane, hotels across the US says that the majority of jobs in the industry could disappear in the coming months.According to a Hotel & Lodging Association survey, 74% of hotel jobs could be eliminated if additional federal funds are not dispersed to the hospitality industry. Of those surveyed, 69% of operators said that hotel stays have been cut by more than half.The Hotel & Lodging Association says that one in 25 US jobs are supported by the hotel industry, equaling 8 million jobs.According to the federal government, the hospitality industry in total had 16 million employees before the pandemic. In April, that number was cut in half. Federal statistics show about half of the jobs lost in the spring have been regained. But many of those jobs remain in peril.Two-thirds of hotels say that they will go out of business if current revenues remain constant for the next six months."It's time for Congress to put politics aside and prioritize the many businesses and employees in the hardest-hit industries. Hotels are cornerstones of the communities they serve, building strong local economies and supporting millions of jobs," said Chip Rogers, president and CEO of the American Hotel & Lodging Association. "Every member of Congress needs to hear from us about the urgent need for additional support so that we can keep our doors open and bring back our employees."For months, proposed stimulus packages have been stalled as House Democrats, Senate Republicans and the White House have lacked agreement on a set of proposals. While hotels and other businesses in the hospitality industry saw a boost thanks to the CARES Act, those funds are running low.The similarly impacted airline industry has said that thousands of jobs in its industry will be eliminated on October 1 without additional funding. 1863

As Americans slowly return to work, older workers are finding the current economic situation much harder to navigate than their younger counterparts.Many large companies, including the airlines, are offering early retirement packages. For older workers, those buyouts come with uncertainty for their financial future.“These are tough times, especially for older workers,” said Susan Weinstock with the AARP.Weinstock’s concern is older workers are being forced out of work without enough saved for retirement. According to AARP, half of full-time workers experience job loss after the age of 50. It typically takes them double the time to get back into the work force as it does a younger worker, and even if they find a job, they end up making less money.For those over the age of 50 who have suddenly lost their job because of COVID-19, there's also less time to make up retirement savings that were lost.“We know saving through work is the best way to save for retirement, and when you don’t have that option it makes it a lot harder,” Weinstock said.Weinstock's advice if you're over the age of 50 and out of work is to use this time to upscale or re-scale. She suggests finding an online class. Showing employers that you're a lifelong learner can make you more marketable.“We want to make sure older workers are able to recover from this, along with everybody else in the economy,” Weinstock added.For those working from home, Weinstock recommends taking the money you might have spent on commuting and putting it into your retirement account. 1557

An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

As America awaits a vaccine for the coronavirus, doctors are encouraging the public to obtain a flu vaccination. While there is hope that social distancing measures in place due to the coronavirus will influence a less severe flu season, public health experts are stressing flu vaccinations in an effort to reduce the burden on medical facilities nationwide.When should you get one?Flu vaccines are generally widely available now, but some public health experts say waiting until October might not be a bad idea.Generally, the flu peaks from December into March. There is a fine balance between getting a vaccine too early and too late, experts say. One concern about getting a vaccine too early is the effects of a vaccine could wear off before the end of flu season.“I usually recommend people get an influenza vaccine in October because we want to make sure that the vaccine lasts for the full duration of the season,” said Dr. Amesh A. Adalja, a senior scholar at the Johns Hopkins Center for Health Security. “However, if a person can only get a vaccine in September or maybe after October, it is important just to get it whenever they can.”Likewise, the CDC’s official guidance says that flu vaccines are recommended by the end of October. The agency says that getting a vaccine in July or August “is likely to be associated with reduced protection against flu infection later in the flu season, particularly among older adults.” The CDC agrees, however, that there is benefit in getting a vaccine as late as January for those who fail to obtain one before the start of the season.Where to get a vaccine?While many doctor’s offices offer flu vaccines, perhaps the easiest place for most Americans is while they’re shopping.Major retail chains such as Target, CVS and Kroger offer vaccines.At CVS and Target, customers can book a vaccination appointment by texting “FLU” to 287898. Target and CVS also accepts walk-in appointments. CVS, which also operates pharmacies at Target stores, says that vaccines are generally free with most insurance providers. The cost for those without coverage ranges from .99 to .CVS said it expects to administer 18 million vaccines to Americans this flu season. CVS also said that it is taking proper precautions to administer the vaccine to customers amid the coronavirus pandemic.“We have reduced the number of touchpoints in the process and implemented new guidelines in accordance with the CDC,” a CVS spokesperson said in a statement. “For example, patients will be given a COVID-19 screening questionnaire and have their temperature taken prior to any immunization. They must also wear a face covering or mask (one will be provided, if needed). The pharmacist or MinuteClinic provider administering the immunization will also use personal protection equipment (PPE), including plastic face shields and will utilize enhanced cleaning protocols between patients.”Kroger said it is also accepting appointments for flu vaccines. For those not wanting to go into a store, Kroger is offering drive thru vaccines, akin to the drive thru coronavirus testing sites. Also at Kroger, flu vaccines are generally free with most insurance providers."With so many health facilities already overburdened due to the COVID-19 pandemic, it is more important than ever for all Americans to get a flu shot," said Colleen Lindholz, president of Kroger Health. "At our COVID-19 drive-thru test sites, we were able to assist thousands of people in getting a test in a short amount of time. By using that model to provide flu shots, we hope to provide more customers with a safe, convenient option to get vaccinated."Who should get a vaccine?Vaccines are recommended for most Americans over the age of 6 months. The CDC said that people with severe, life-threatening allergies to flu vaccine or any ingredient in the vaccine should talk to a doctor before obtaining a vaccine.For those ages 2 through 49 who are not pregnant, a nasal flu vaccine is an option.While a flu vaccine does not prevent all infections, last year’s flu vaccine was estimated to prevent 4.4 million illnesses, 2.3 million medical visits, 58,000 hospitalizations, and 3,500 deaths, according to CDC data. 4210